Citibank Business Credit Card

Wednesday, June 13, 2012 at 2:57pm by Site Administrator

CitiBusiness Credit Cards: An Overview


Citibank has a keen understanding of the requirements a business owner looks for to build and maintain creditworthiness. It knows there are things that have to be accomplished today and plans that have to be executed tomorrow. Citibank’s line of business credit cards offers the opportunity to manage business with ease, security and flexibility. Its extremely easy-to-use online banking features were developed to streamline what can be a tedious process and let you get back to the business of doing business. It has the rewards you want and the convenience that your business needs. The cards come with rewards that can be redeemed for travel and merchandise, gift cards and pretty much anything else.

Citibank thoroughly breaks down the categories available to its business credit card consumers. With its well-defined approach, expect to fulfill everyday credit needs and in return gain access to ways to put those credit purchases to work for you.

  • Small Business Banking. Any company with sales of less than $5 million. From there explore based on business needs, industry, or products and services.
  • Business Banking. Any company with sales more than $5 million. Look for cards based on global presence and product solutions.
  • Commercial Banking. Any company with sales more than $20 million. Choose a card based on your industry specialties and product solutions.

Starting with these three situations, Citibank’s line of CitiBusiness credit cards offers the opportunity to operate business your way.

CitiBusiness ThankYou Card

There’s no annual fee. Receive 0% APR on purchases for the first six months, after which the variable APR will be 13.24%. There are flexible rewards to fit individual needs. If you spend $3,000 in the first three months of membership, earn 15,000 bonus ThankYou points. That’s enough for $150 in gift cards. Utilize specific business categories and for every dollar spent get three ThankYou points. For other purchases, every dollar nets one ThankYou point. Get 200 points for managing your account online and going paperless. There’s no limit of points that can be earned and no expiration dates. Redeem them for cash, business supplies, merchandise, gift cards or travel. With each yearly membership anniversary, get a bonus as thanks from Citibank.


CitiBusiness/AAdvantage World MasterCard

Developed in partnership with American Airlines, this is a popular Citibank business credit card. Designed with the traveling businessman in mind, the $95 annual fee is waived the first year. The purchase APR currently stands at 15.24%, but it is variable. Membership includes 30,000 bonus miles if $1,000 in purchases is made within the first three months. Also, look forward to priority boarding and having the first eligible bag for you and a party of up to four checked at no cost. Earn double the miles on purchases using select Citibank and American Airline business partners. With membership renewal, Citibank offers a 5% mileage bonus rewards based on those eligible purchases made during the year. There’s a 25% discount on any eligible in-flight purchase and other cardholders are available at no additional cost.


AT&T Universal Business Rewards Card

No annual fee. 0% intro APR on all purchases for six months, after which a variable APR of 14.24% kicks in. For every $1 spent on eligible products and services purchased directly from AT&T earn five ThankYou points. Receive three points for every $1 spent on purchases from this card’s business partners, which includes a number of gas stations, office supply merchants and professional services. There’s a 24 hour, seven-day a week personal business assistant that will arrange travel, business dining and entertainment services. You can control spending with individual credit limits, avoiding surprises and overspending. The Universal comes with travel accident insurance, auto rental insurance and extended warranties.


CitiBusiness Credit Cards: Conclusions

Citibank knows running a business can be all consuming, tackling today’s challenge and simultaneously planning for the future. Its business credit card solutions are good news for business owners. The ThankYou points program lets purchases work for you. Combine points across all your Citibank relationships.

The CitiBusiness line of business credit cards, with excellent rewards programs, is an ideal choice for business owners who have a sizeable budget for professional services and office supplies. The 0% intro APR is an excellent way to save money on rolling balances those initial first months. If you have a strong credit history, it shouldn’t be a problem getting a card with no annual fee and earning rewards on everyday purchasing.

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